Maximize your earnings!

No matter where you are on your savings journey, we want your money to work as hard as possible for you! Our nationally recognized rates on High Yield Deposit Accounts and Certificates of Deposit (CDs) make now the time to build your savings with Dow Credit Union – whether you’re already a member or newly joining.

High Yield Deposit Account


3.51% APY1,2,3

Pays 5 to 8 times the bank national average⁵ 

(based on our 2.28% to 3.51% APY1,2,3)

Certificate of Deposit (CD)


5.30% APY1,3,4


We have your best interest in mind.

Not a member? You CAN be!


It's True: YOU can join!

From your family and friends to your passions or place of employment, we have a pathway to membership for you.  

To apply online, applicants must be a U.S. citizen or legal U.S. resident. Prior to completing the application, you will be asked to give Dow Credit Union authorization to pull a credit report for each applicant 18 years of age or older.


Become a Member



Want to Talk to Us Directly?

Our team can help! Contact us to learn more about membership and our products and services.  


600 E Lyon, Midland, MI 48640

7:30 a.m. – 5:30 p.m. EST

5420 Gratiot Rd, Saginaw, MI 48638 

8:00 a.m. – 5:00 p.m. EST 


Call Us



Explore your options


Savings Accounts

We offer a wide variety of Savings Account options to help you achieve more of your financial goals. Most of our Savings Accounts qualify for our unique Member Giveback, which rewards members for saving and borrowing with us.3,6


Explore Savings Accounts


Certificates of Deposit (CDs)

Our CDs offer superior rates, have convenient features and options, and are available in a variety of terms. Most of our CDs qualify for our unique Member Giveback, which rewards members for saving and borrowing with us.3,6


Explore CDs

Membership eligibility required. To become a member of the credit union, you must complete an appropriate application and open a Prime Share Savings Account with a $5 minimum balance.   

1APY = annual percentage yield. Advertised APYs are subject to change.  

2Advertised “earn up to” APY of 3.51% is for a Simple High Yield Deposit Account with a $150,000+ balance and is accurate as of 07/24/2023.  

3Our Simple High Yield Deposit Accounts and Simple CDs are not eligible for Member Giveback rebates and rewards. See disclosure 7 for Member Giveback details.  

4Advertised “earn up to” APY of 5.30% is for a 3-month Simple CD and is accurate as of 12/28/2023. For CDs, any advertised APY assumes principal and interest remain on deposit for the term of the certificate. A penalty for early withdrawal may be imposed and could reduce earnings on a CD account, including reduction of principal. Starting minimum deposit for all Dow Credit Union CDs is $500.  

5Comparison based on Dow Credit Union Simple High Yield $0-2,499.99 tier (2.28% APY) and Dow Credit Union Simple High Yield $150,000-499,999.99 and $500,000+ tiers (3.51% APY) as of 07/24/2023 versus the national average yield for savings accounts of 0.41% APY for July 2023, according to  

6While Member Giveback rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply. Our Premium High Yield Deposit Accounts, Prime Savings Accounts, Secondary Savings Accounts, Club Accounts, Standard CDs, Bump Rate CDs, Youth CDs and Health Savings Account CDs all are eligible for the Member Saver Reward as part of the Member Giveback. Simple High Yield Deposit Accounts and Simple CDs are not eligible.